A working capital loan covers your day-to-day operating costs payroll, rent, inventory, and overhead while you wait for revenue to catch up. Fast approval. No collateral required.
Covers payroll, rent, inventory . No collateral required . Funds in as little as 24 hours
Loan range
Min. credit score
Funding speed
Loan term
Tell us your monthly revenue, time in business, and what you need the funds for. No hard pull on your credit.
Based on your cash flow and business profile, we surface the working capital product that fits line of credit, short-term loan, or MCA.
Funds are deposited directly into your business bank account. Repay on a fixed schedule, weekly or monthly depending on the product.
Most established small bussinesses qualify. Here is what lenders look for:
Most established small bussinesses qualify. Here is what lenders look for
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
1 year minimum
$20,000/month ($240K+ annually)
625+ FICO
None required for most working capital products
Not required under $150K (Kapitus)
As fast as 24 hours
$10,000 – $500,000
3 to 24 months
A working capital loan provides short-term funds to cover everyday business operating costs payroll, rent, inventory, utilities, and other overhead. It is not designed for large investments or equipment. It is designed to keep your business running when cash flow is uneven.
A term loan is typically for a specific investment in equipment, renovation, or expansion with a longer repayment period. A working capital loan is for operating costs, with shorter terms (3–24 months) and faster access to funds.
Payroll, rent, supplier payments, inventory restocking, utilities, marketing costs, and any other recurring operating expenses. There are no restrictions on the use of funds for most working capital products.
No. Checking your eligibility uses a soft credit pull only. Your score is not impacted.
Most approvals happen within a few hours. Funding is deposited into your business bank account within 24 hours of approval in most cases.
Not exactly. Both are short-term and fast. The key difference is repayment: an MCA takes a fixed % of your daily sales automatically. A working capital loan has fixed weekly or monthly payments. We match you to whichever product fits your cash flow better.
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Repay from a percentage of daily sales no fixed payment. Best for businesses with high card transaction volume.
Revolving access to funds draw what you need and repay. More flexible than a one-time working capital loan.
Longer terms and lower rates for larger planned investments. Best when you need more than $150K.
Free · 2 minutes · Soft pull only · 625+ credit score accepted
